Ontario Blue Cross: Health and Drug Plans Explained
Last reviewed 2026-10-14
Ontario Blue Cross offers individual health and dental plans, travel insurance and group benefits. Individual plans are often used by self-employed people, retirees and anyone without workplace coverage.
Common plan features
- Prescription drug coverage (percentage up to an annual maximum)
- Dental
- Paramedical services like physiotherapy and massage
- Vision
- Out-of-province travel coverage
How it works with public coverage
If you're 65+ or on a public program, ODB pays first for eligible drugs and a private plan may top up co-pays or cover drugs not on the formulary. Under 25? A private plan means OHIP+ won't cover you.
Choosing a plan
- Compare premiums to how much you actually spend on drugs and services.
- Check if a medical questionnaire is required.
- Read the drug maximums and exclusions.
Frequently asked questions
Is Blue Cross free in Ontario?
No. It's private insurance with monthly premiums.
Does Blue Cross cover Ozempic?
It depends on the plan and diagnosis. Check your plan's drug list.
Official sources
This guide is general information, not medical or financial advice. Program rules and amounts change — confirm with the official source or your pharmacist.